Some people get into debt buying things they don’t need and can’t afford. What are the reasons for this behaviour? What action can be taken to prevent people having this problem?

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A rising tide of consumerism has swept much of the world in the past century, and as it is easy to get a loan or a credit card,
people
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are finding themselves quickly sliding into
debt
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. There are many reasons for
this
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problem
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,
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apply
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and some potential solutions to it. The main reason for the current abundance of
debt
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is that
people
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are living in a very materialistic world, where they are constantly exposed to advertising and even gloating on social media. They feel that they need to buy things because other
people
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have them or because society demands
it
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them
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. From iPhones to fancy cars, there is huge social pressure for
people
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to buy expensive goods. Even when they cannot afford it, banks advertise credit cards everywhere and companies offer payday loans with high interest rates. It is very easy for
people
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to borrow
this
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money, and they soon find that their
debt
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piles up. There is no easy solution to the
debt
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problem
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, but some important steps need to be taken in order to reduce the severity of the situation.
Firstly
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, as always, education is important. High school students should be educated in school about financial matters and encouraged not to take out credit cards or loans unless necessary. Governments should
also
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set rules about interest rates and loan advertisements in order to make payments more reasonable. There should
also
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be limits on how easily they can give loans to
people
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,
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so that
people
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cannot borrow more than they could ever pay back. In conclusion,
debt
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is a huge
problem
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in society partly because it is so easy to get into
debt
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. Schools and governments can take some steps to help solve
this
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problem
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.

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Use cohesive linking words accurately and appropriately

Linking words are very important in your essay.

To score effectively on your IELTS exam, you should make an effort to implement short concise sentences coupled with linking words.

Almost every sentence in your essay should have a linking word of some sort.

In fact, the only sentences that can omit linking words are your background sentence and thesis.

Linking word examples:

  • firstly
  • secondly
  • thirdly
  • in additional
  • moreover
  • also
  • for example
  • for instance
  • therefore
  • however
  • although
  • even though
  • despite

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